Before laying down your 'plastic' to buy a string of pearls or bracelet or cheap ring silver, read all you can about it so you are a well education purchaser. Match up the quality, customer service and price of competing offers. c. Inquire about how you would get a refund or return the item if dissatisfied. a. Carefully read all warranties and guarantees and ask questions if the terms are unclear. Get a sales receipt and, in writing, all the pertinent facts related to the item you are buying.

The saying goes 'if you don't know your jewels, know your jeweler'. Well, checking on the reputation of the sale that you making is of paramount importance when buying diamonds, pearls, watches or cheap ring silver. Check out the store's reputation in your area. Professional trade organizations set 'standards'. Determine if your jeweler is a member of any such organizations. Get a BBB report on your jewelry store prior to making any purchase. You ant your jeweler to have a gemological and appraisal certificate.

A good indicator of a reliable site for getting that string of pearls, or bracelet or cheap ring silver, is the BBB seal of reliability. Obtain all details related to your purchase in writing including their exchange and refund policies. A conversation with a sales person from the online store as you want to 'get personal' as if you had visited a 'bricks and mortar' store. In addition to the phone conversation, get everything in writing. With all that accomplished, wear that jewelry or cheap ring silver as often as possible.